Privacy Policy

Introduction

Lite Mortgages (“we”, “us”, “our”) respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

Important Information and Who We Are

Lite Mortgages is an unregulated lead generator that refers mortgage leads to PLS Financial Services Ltd, an authorised firm regulated by the Financial Conduct Authority (FCA) under firm reference number 488254. You can check this on the FCA register.

How do we collect Your Personal Data

We will collect and store Your Personal Data directly from you with the contact form on our website. Once a mortgage lead contacts us via the telephone number on our website or has submitted a contact form on our website, they will then be dealt with/ contacted by only PLS Financial Services Ltd who will carry out the regulated activity.

The Data We Collect About You

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

  • Identity Data includes first and last name.
  • Contact Data includes an email address and a telephone number.
  • Financial Data includes the type of mortgage you are looking for.

We collect this data to allow the authorised firm PLS Financial Services Ltd to contact you and understand the type of mortgage enquiry which will allow them to carry out the regulated activity.

Special Category Information

In some instances, it is necessary to collect more sensitive information (such as health or lifestyle information) which is called Special Category Data.  This is to allow us to provide our financial advice to you.  We will always obtain your consent during the advice process to gather this data and explain what information we require and why it is needed. Sensitive personal information will always be processed and stored securely.  You can withdraw your consent at any time to us processing this data, however, this may mean that you can no longer access the service or product the information was gathered for.

How We Use Your Personal Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Where we need to perform the contract we are about to enter into or have entered into with you.
  • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
  • Where we need to comply with a legal obligation.

Disclosure of Your Personal Data

We will share your personal data with PLS Financial Services Ltd for the purpose of carrying out the regulated activity. We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions. Importantly, your personal data will not be sold or rented to PLS Financial Services Ltd or any other companies. The referral will take place without fees or costs involved.

How We Handle Your Personal Data

Once your personal data is disclosed to us, we will handle it with utmost care and responsibility. We will store your data securely in our systems for example website, email, hard drive, and cloud facilities and use it solely for the purpose of referring you to PLS Financial Services Ltd. We will not use your data for any other purposes unless we have obtained your explicit consent.

We retain your personal data only for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

In some circumstances, we may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

Your rights in relation to Your Personal Data

You can:

  • request copies of Your Personal Data that is under our control
  • ask us to further explain how we use Your Personal Data
  • ask us to correct, delete or require us to restrict or stop using Your Personal Data (details as to the extent to which we can do this will be provided at the time of any such request)
  • ask us to send an electronic copy of Your Personal Data to another organisation should you wish
  • change the basis of any consent you may have provided to enable us to market to you in the future
    (including withdrawing any consent in its entirety)

Compliance with Laws

Lite Mortgages is committed to complying with all relevant laws and regulations, including the Financial Conduct Authority (FCA) regulations, data protection legislation, the Privacy and Electronic Communications (EC Directive) Regulations 2003, and guidelines from the Information Commissioner’s Office. We have implemented measures and procedures that adequately protect the privacy of individuals and ensure that data processing is done in accordance with these legal provisions.

How to contact Lite Mortgages in relation to the use of Your Personal Data

If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact us via our email address info@litemortgages.co.uk and ask for the person responsible for data protection.

If we feel we have a legal right not to deal with your request, or to action, it in different way to how you have requested, we will inform you of this at the time.

You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.

If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

Last updated: June 2024